Abstract: A system for implementing a method that books and pays a retailer having a POS connected to a transaction server storing confidential user information including a retailer identification, a user code, and a user wireless device phone number. The method includes: receiving at the transaction server, from the user wireless device which can be a cell phone, an SMS containing a retailer identification; reading at the transaction server the phone number of the wireless device communicated by the carrier transporting the SMS; authentifying the phone number and retailer identification with the stored confidential user information; sending the user confidential information to the retailer POS. The user enters on the POS the user code. The POS reads and authentifies the user code with the user confidential information received from the transaction server. The retailer enters the payment information on the POS and sends it with user information to the transaction server.

Abstract: A system includes a device and software with a touchscreen, cash drawer, bar code scanner, and other point-of-sale peripherals. The device processes payments according to a method and can process a payment from multiple payment sources to multiple credit-card merchant accounts. Likewise, the system processes returns according to a method from multiple-merchant accounts. A scheduler is included with an appointment builder and manager that are especially useful in a beauty salon environment and other schedule-intensive service businesses.

Abstract: The system employs the use of biometric authentication, a fraud control gateway and widget, and a point of sale sensor to restrict the use of credit cards or other financial tokens to authenticated actual owners of the card or token. The card or token holder will have biometric information entered into a database during an initiation or enrollment process, and subsequent uses of the card may be authenticated by comparing the biometric information of the attempted user to biometric information stored in the system. The biometric component is used for voice authentication. As part of a multi-factor security schema, the biometric authentication is combined with a series of point of sale and fraud control methods to ensure a comprehensive security umbrella for financial transactions. Both financial institution limits to transactions and consumer-preferred limits to transactions are employed.

Abstract: A secure mobile phone-point of sale (POS) system includes a mobile phone integrated with a secure PED module. The secure PED module is integrated with the mobile phone via the phone's serial port or directly to the phone's Printed Circuit Board Assembly (PCBA). The secure PED module conforms to security standards imposed by the payment card industry. The secure mobile phone-POS system has the functionality of both the secure PED and the mobile phone and the look and feel of the mobile phone.

Abstract: A method of generating a gift card comprising: (a) receiving indicia corresponding to at least one of a product indicia representative of a particular product and a service indicia representative of a particular service; (b) making a gift card graphic available to the processing device that matches at least one of the product indicia and the service indicia; (c) merging the gift card graphics with a gift card template to create a virtual gift card; (d) recording the virtual gift card with a memory accessible by a kiosk that includes a gift card printer; and, (e) generating a receipt uniquely corresponding to at least one of the virtual gift card and a tangible gift card.

Abstract: Embodiments of the present invention provide a method, system and computer program product for cash management optimization method for payment processing. In an embodiment of the invention, a cash management optimization method for payment processing can include receiving a transaction profile for a proposed transaction as payment for a purchase by a purchaser from a merchant at a card processing terminal configured to identify a card number for a card. The method further can include comparing the transaction profile to merchant-specified preferences mapping different transaction profiles to different payment processors. A payment processor for the proposed transaction can be selected based upon the comparison of the transaction profile to the merchant-specified preferences. Thereafter, the proposed transaction can be routed over a computer communications network to the selected payment processor for payment processing.

Abstract: An automated banking machine operates to cause financial transfers responsive to data read from data bearing records. The automated banking machine includes a card reader operative to read card data from user cards corresponding to financial accounts. The automated banking machine also includes a display and a printer to produce records of financial transactions carried out with the machine. The card reader is operative to read and return card information read from the user card responsive. The automated banking machine further includes a sheet detector that is operative to detect at least one property usable to distinguish between the presence or absence of a sheet and/or determine a property of the sheet.

Abstract: A method to authorize a mobile payment for a transaction. The method includes receiving a facial image of a consumer who requests the mobile payment for the transaction using account information stored in a mobile device of the consumer, wherein the facial image is provided by a point-of-sale (POS) device while initiating the transaction on behalf of the consumer, receiving a verified facial image of an account holder, comparing the facial image of the consumer and the verified facial image of the account holder based on a pre-determined criterion to verify the consumer as the account holder, generating, in response to verifying the consumer as the account holder, an authorization of the mobile payment based on the account information, and sending the authorization to the POS device to complete the transaction.

Abstract: A method of completing a financial transaction after a point-of-sale terminal initiates a payment request and sends financial transaction information includes receiving financial transaction information from a point-of-sale terminal, the financial transaction information being associated with a transaction and identifying an individual that initiated the transaction. The method further includes accessing a database to determine a rule set associated with the individual, applying the rule set to the financial transaction information, and selecting a financial issuer based on the applied rule set.

Abstract: A portable handheld device for wireless order entry and real time payment authorization may include a portable housing, a display carried by the housing, an order entry input device carried by the housing, a transaction card input device carried by the housing for reading user sensitive information from a transaction card, a wireless transceiver carried by the housing, and a processor carried by the housing and connected to the display, order entry input device, transaction card input device and wireless transceiver. The processor may be for wirelessly sending input order information, and encrypting and wirelessly sending the user sensitive information from the transaction card without storing and without displaying. The processor may also be for wirelessly receiving and displaying payment authorization information based upon real time authorization from a transaction card issuing entity.

Abstract: A system for updating a control device includes a user's portable programmable media having a data storage device, and a primary controlling device including a computer having a data storage device for storing data. A primary reader/writer communicates with the primary controlling device, and the primary reader/writer transfers control data and transactional data from the primary data storage device to the user's portable programmable media. A secondary controlling device includes a secondary computer and a secondary data storage device for storing data. A secondary reader/writer communicates with the secondary controlling device and reads the control and transactional data included in the user's portable programmable media, transferring the data to the secondary controlling device for authenticating, completing a transaction, and storing at least part of the data in the secondary data storage device.

Abstract: Aspects of the invention are directed to a two phase payment link and authorization method and system for mobile devices. A method for payment and authorization according to an embodiment includes: requesting and receiving, at a mobile device, a transaction identifier from a payment service; displaying the transaction identifier on a display of the mobile device, wherein the transaction identifier is in a machine readable format; scanning the transaction identifier at a point of sale system; sending the transaction identifier and transaction information associated with items to be purchased from the point of sale system to the payment service; creating, at the payment service, a logical link between the mobile device and the point of sale system, based on the transaction identifier; and sending the transaction information from the payment system to the mobile device.

Abstract: A vehicle fuelling system and method which uses an internet-based user interface accessible by a user. The user accesses the user interface through a smartphone application, a computing device, call center, or a kiosk situated at a parking facility. The user accesses the user interface to notify a service provider that a vehicle in need of fuel. While the vehicle is parked in a parking lot, the service provider responds to the user's notification, and dispatches a fuel truck to deliver fuel to the vehicle. This allows a user to have an unattended vehicle fuelled. The user is automatically charged for the fuel and service, and a notification and invoice is provided to the user.

Abstract: A point-of-sale system includes a stand that supports a tablet computer. The tablet computer can run a merchant application to provide the typical functionality for a point-of-sale system. The stand can be rotatable to face either the merchant or the customer. The stand can incorporate a card reader. The tablet computer can be connected through a hub to other peripheral components, such as a controllable cash drawer, a printer and/or a bar code reader. The cash drawer can include a slidable drawer having sliding rails that are hidden from a top view of the drawer.

Abstract: A near field communication payment method using a proxy account number. The method comprises transmitting a proxy account number from a secure element of a mobile phone to a point-of-sale terminal using a near field communication radio link; transmitting the proxy account number from the point-of-sale terminal to a payment mediation server; transmitting the proxy account number from the payment mediation server to a proxy account manager; determining a selected payment account number by the proxy account manager based in part on retrieving a plurality of payment account numbers from a proxy account number data store using the proxy account number; transmitting the selected payment account number to the payment mediation server by the proxy account manager; and the payment mediation server completing a payment completion transaction with the point-of-sale terminal using the selected payment account number.

Abstract: A method and related system obtains consent from an individual for computer-aided delivery of compliance information. Initially, a computer-readable data storage device is provided to the individual. The device stores the compliance information and computer-executable instructions. By inserting the device into a computer, the instructions are executed and the individual is prompted by the computer to consent to the computer-aided delivery of additional compliance information. Once consent is indicated, it is communicated from the individual's computer to another computer such as a server over, for example, a modem connection. Having secured the individual's consent, the additional compliance information can be delivered to the individual's computer as, for example, a file attachment to an email message.

Abstract: A thermal beverage container provides an RFID tag anchored between dual walls of the container to be hermetically protected while scannable, thereby permitting the container to be used as a gift card to promote the use of reusable containers rather than disposable cups in the purchase of beverages.

Abstract: A business object model, which reflects data that is used during a given business transaction, is utilized to generate interfaces. This business object model facilitates commercial transactions by providing consistent interfaces that are suitable for use across industries, across businesses, and across different departments within a business during a business transaction. In some operations, software creates, updates, or otherwise processes information related to a point of sale transaction business object.

Abstract: A secure electronic payment transaction system includes a Secure Transaction Module (STM) and a host device. The STM includes hardware and software components that meet the security requirements of the payment card industry and provide secure payment transactions utilizing banking cards. The host device includes a communication modem for connecting to financial institutions via a network connection. The STM connects to the host device via an interface and communicates with the financial institutions via the host device's communication modem. The STM is self-sufficient and can be connected to any host device over any interface.

Abstract: An information model for a party and property records management system includes a legal party role object for maintaining relationships between objects, such as legal party objects and revenue-object objects, within the information model. A legal party object could have several associated objects, such as an identification number object or a legal party communication object.

Abstract: A point-of-sale (POS) terminal and a POS system, by which the cost spent for the establishment of the POS system is reduced. Ordering, payment and management of sales information can be conducted irrespective of location, thereby maximizing user convenience. The general functions of a POS terminal, such as barcode scanning, near-field communication (NFC), signing, and the like, can be performed based on a variety of functions of a mobile terminal in order to provide an optimum solution in any sales environment.

Abstract: A prompt-response card issuing system providing temporary financial transaction cards includes a communications module, a personal account number (PAN) mapping module, and a security measure determination module. The communications module communicates with a plurality of financial card issuers, each having different profile standards for generating security measures, and also receives, from an issuer, an authorization for a new PAN associated with a financial account of a cardholder. The PAN module maps the new PAN to a temporary personal account number (TPAN) for the cardholder. The security measure determination module determines at least one security measure requirement according to a system profile standard of said prompt-response card issuing system rather than the system profile standard of the authorizing issuer.

Abstract: A method and system for detecting and preventing the fraudulent use of credit/debit cards. A number, referred to as a pre-stored Card Identity Key, is typically four or five digits in length, and the final two digits of this number are variable according to a formula which is applied at the time of the attempted transaction. The pre-stored CIK is created by the credit card owner or issued by the card-issuing financial institution, and is maintained in the card-issuing financial institution's computer database and used along with a software routine for validation. The software routine used for validation employs the formula, which is typically created and memorized by the card owner, to generate a dynamic Card Identity Key from the pre-stored Card Identity Key. The dynamic Card Identity Key must be entered by the card holder/user at a merchant terminal for validation of the transaction.

Abstract: A point of sale computer system that allows a customer to select and consummate a sale himself. The system may include graphics storage media configured to store two- and three-dimensional graphics data relating to the sale, as well as business rules storage media, configured to store business rules that specify the graphics that should be displayed during the selection and consummation process based on input received from the customer. The technology allows a presentation to be made to the customer that is entertaining and that maintains the attention of the customer throughout the sale selection and consummation process.

Abstract: A mobile device equipped with at least a display and an input is used to connect to a server on the mobile network. Upon authentication of a user of the mobile device, the server generates the payment key, encodes the key in an image, such as a bar code, and transmits the image to the mobile device. The user holds the display of the mobile device up to an optical scanner at a POS terminal. Logic on the POS terminal extracts the payment key from the image, and uses the payment key to bill the user. The POS terminal transmits the bill with the payment key to the server on the network. The server ensures that the key is active, and debits an account for the user based on the amount presented in the bill. The key is de-activated after a specified time period or one use, whichever occurs first.

Abstract: A method, system and program product, the method comprising: accessing Transfer Fee data to be paid to a third party that is not the borrower or the lender of a security for a right to loan one or more units of the security; accessing loan data on a loan of units of the security, calculating an amount of a Transfer Fee for the right to loan the security; generating data for debiting an account or sending a bill for the Transfer Fee; sending or having sent data on revenue from one or more of the Transfer Fees to be paid to an issuer of the security; updating the database with data on the Transfer Fee.

Abstract: A store transaction system that can determine what a store should be making each day if all the customer transactions were entered into the stores point of sale computer. The store transaction system combines various sensor outputs activated by customer activity in a logical manner to develop an independent store monitor that can operate 24/7 to reduce employee theft. A preferred embodiment compares the store transaction system revenue with the store point of sale computer system operated by the employees so an owner can determine a shift or the employees that are involved with theft without having to manually view video surveillance information or hire extra managers to watch the store operations. The invention also allows remote reviewing of those that are having exceptional positive impact on store sales. Another preferred embodiment allows an owner to remotely operate their integrated computer and store transaction system from any Internet access device with the proper browser.

Abstract: Concurrent first and second uses of a consumer's credit card are made during a POS transaction to effect information sharing. The first use includes conventionally executing a primary transaction, while the second use includes a presentation to the consumer at POS with information sharing opt-in and/or privacy notices from the consumer's financial institution.

Abstract: A payment processing system and method comprising a POS module providing an interface to effect sales of FGS in a retail environment, a device module operatively connected to at least one retail device configured to supply FGS and comprising a card reader adapted to receive a first payment card data for payment for the FGS, wherein the device module is adapted to control operation of the at least one retail device, and a payment system module operatively connected to the POS module and the device module, the payment system module adapted to validate payment for the FGS. The payment system module and the device module are separated from the POS module in order to segment a portion of the payment processing system configured to handle payment card data from a portion of the system that does not handle payment card data.

Abstract: A mobile device, such as a vehicle telematics system or a smartphone, is used to facilitate a fuel purchase transaction providing a multi-stage authorization process. In a first stage, an account code is provided wirelessly to a fuel station receiver by the mobile device from within the vehicle to prevent using the electrically-powered mobile device at or near the fueling area. The status of the account is checked using a computer. In a second stage, a personal identification number (PIN) corresponding to the account is entered on a display screen/key pad at the fuel dispensing pump proximal to the vehicle to be fueled. The PIN is confirmed to enable the fuel dispensing pump. After fuel is dispensed to the vehicle, the computer debits the account in the amount of the fuel purchase. A software application on the mobile device is used to initiate the fuel purchase transaction.

Abstract: A method for using an electronic transaction device with an electronic transaction service provider may include the steps of registering the electronic transaction device with the electronic transaction device service provider, registering a plurality of accounts corresponding to a plurality of service institutions, providing a data connection between the electronic transaction device and the electronic transaction device service provider, and storing account information for a plurality of service institutions at the electronic transaction device service provider. The method may also include the steps of providing access to a database of client information to the client and analyzing transactional information in the database of client information for a plurality of accounts.

Abstract: A method of eliminating the need to wait in line to conduct a payment transaction in a retail establishment includes initiating a network-based electronic payment transaction with a communications device in a retail establishment. A shopper initiates the network-based electronic payment transaction. Moreover, the method includes entering a machine readable code from at least one good with the communications device, determining a price of the at least one good and a total payment transaction cost, and displaying the total payment transaction cost on a screen of the communications device. Furthermore, the method includes determining whether to approve payment for the electronic payment transaction, authenticating the shopper, completing the electronic payment transaction in the retail establishment, and transmitting a transaction complete message to the communications device when the shopper is authenticated.

Abstract: A weighing scale, digital control panel and a laser scanner are mounted on each “Automated Market Cart”, and the operation of purchasing items is based in coordinating a store's main Computer data with the weight of any item by means of the use of a weighing scale, digital control panel and a barcode on each item, scanned by the customer. The “Automated Market Cart” gives the customers the ability to purchase anything with minimal human assistance. The unique weight and the barcode for each item will be transmitted to the stores main computer. The main store's computer function is that once an item is weighted and the barcode is received from the digital control panel microprocessor, it will check against the database of that unique item and calculate the total price and it will also control all auditing, purchasing, receiving, inventory controls, transferring of products to and from other locations.

Abstract: Various implementations of this disclosure provide apparatuses and methods for establishing, acquiring, or purchasing investment products at a POS. In some implementations, a card may be provided to facilitate the investing or saving at the POS. For example, an investment or saving card may be provided that stores information to facilitate the purchase of stock, bonds, CDs, or commodities or to facilitate the opening of a bank account. A POS terminal is configured to facilitate the purchase of stock, bonds, a CD, or commodities or to open a bank account either directly or indirectly.

Abstract: A system, method and prepaid payment card configured to display a current card balance on the prepaid payment card. The prepaid payment card receives a balance request from a button on the card. After retrieving the current card balance encoded on the prepaid payment card, the card displays the current card balance. Remote terminals may be configured to support the real-time display of a balance on a prepaid payment card by writing the current balance to the card after a payment transaction has occurred.

Abstract: Systems, methods, and program product for facilitating electronic ordering of goods, services, or goods and services, or other products, through messaging over a financial services electronic payment network, are provided. A customer provides electronic order registration activation information for an electronic order transaction card. The customer is provided an electronic order card having a unique electronic payment network compatible electronic order card identifier including a non-financial transaction IIN and a customer number, and is provided a catalogue or list including product order codes each associated with a different product, to enable electronic ordering over the financial services electronic payment network.

Abstract: Systems, program product, apparatus and method for transmitting and processing the sale of a transaction card product over an existing payment network using partial authorization messaging, are provided. An example of such a system can include a merchant POS apparatus equipped to support partial authorization messaging, a transaction card issuer server in communication therewith, and a transaction card product. The transaction card product can include a conventional transaction card securely wrapped within a tamper evident container that can carry its own magnetic strip. The container magnetic strip can store an assigned unique card identifier linked to, but different from, the card identifier normally associated with the card. The container card identifier stored in the container magnetic strip is compatible with the merchant POS card reader and is usable to activate the card without the merchant or consumer having access to the card, the card identifier, or the card magnetic strip.

Abstract: A method of facilitating activation of a general-purpose reloadable (GPR) card includes reading an activation storage medium from a GPR card using a point-of-sale (POS) terminal, wherein the GPR card is linked to a GPR account stored on a database. The method further includes collecting identification information from a card applicant and forwarding the collected identification information to a financial processing network, submitting an initial monetary amount to be loaded to the GPR account to the financial processing network, and communicating initial activation of the GPR account to the card applicant at the POS terminal after receiving activation approval from the financial processing network. The initial activation of the GPR account is a first phase of activation in a multiple phase activation characterized by the GPR account being available for use toward a price of purchases and unavailable for loading an additional monetary amount to the GPR account.

Abstract: A receipt system allows customers to store receipts on a Unified Card or smartphone when making purchases from different retailer merchants. The customer purchases goods or services and the receipt is recorded electronically onto a single Unified Card or smartphone. This eliminates the need for paper receipts. The user can then use the Unified Card or smartphone to make returns or exchanges or as proof of purchase. Unified Card readers can be located at Kiosks as part of a home based system that works with the user's home computer.

Abstract: A payment provider card can be used on any credit card or bank network in order to access the user's payment provider account at the POS of non-payment provider integrated merchants. The consumer may swipe or have the card read through NFC or other means, at the POS, where the information contained in the card is communicated to the payment provider through a credit card or bank card network or rails that is already part of the merchant payment network.

Abstract: The present invention relates to translating loyalty requests between loyalty clients and loyalty hosts. For example, one embodiment of the present invention provides a method for translating point-of-sale loyalty requests by using a loyalty request to create a translated loyalty request that is compatible with a loyalty host and by using the loyalty response to create a translated loyalty response that is compatible with the loyalty client.

Abstract: A non-magnetic card reader, a magnetic card reader and a card transaction method are provided to selectively read a magnetic card and a non-magnetic card for identification of payment transaction at a transaction terminal. The non-magnetic card reader includes an integrator module electrically connecting to the magnetic card reader and the transaction terminal. Each of the non-magnetic card reader, the magnetic card reader and the transaction terminal has one or more physical connectors compatible with a magnetic-card communication protocol. A non-magnetic card signal incorporated with card data of the non-magnetic card is converted by the integrator module to match the magnetic-card communication protocol and is selectively transmitted to a main controller of the transaction terminal for identification. A magnetic card signal from the magnetic card reader incorporated with card data of the magnetic card is selectively transceived through the integrator module to the main controller for identification.

Abstract: A transaction method, system and apparatus of the present invention employs two electromagnetically read cards. A first card is employed for accessing account data of a corresponding account. A second card effectively carries identity data of the owner/account holder of the first card. During a transaction, the two cards must be used sufficiently in tandem or in proper series order, in order for the card processing center to authorize the subject transaction. In particular, use of the first card accesses a corresponding account to determine if the account is active versus in a halted state (e.g., due to a reported stolen or lost card). Use of the second card spaced apart (in time and/or in distance) from the first card then verifies identity of the user as an authorized person to be accessing the corresponding account and hence authorized user of the first card.

Abstract: Systems and methods are provided for providing targeted marketing to goods and services provides and consumer resource management services to consumers. An example system and method for targeted marketing comprises collecting transaction data from point-of-sale (POS) terminals and using a consumer identifier in the transaction data to access stored information about the consumer. This information may be used to target offers and advertisement to the consumer. In an example system for consumer resource management, a consumer may configure a consumer account on the enterprise infrastructure via a web-site. The consumer may use the consumer account to purchase and configure gift cards that may be used for purchasing goods and services. A universal transaction identifier may be associated with the consumer account and used to purchase goods and services from more than one selected goods and services providers.

Abstract: Methods useful for conducting payment transactions wirelessly, such as at point-of-sale locations. In one embodiment, the mobile user apparatus is a cellular-enabled mobile device that includes a short-range passive radio frequency transceiver that when interrogated by a reader at the point-of-sale, issues a reply including information relating to an account of the user of the mobile apparatus that is to be charged for the payment. In one variant, the mobile user apparatus is further configured to instantiate a user interface window on its display such as for e.g., entry of a password.

Abstract: A system of tracking, identifying, and encoding an electronic transaction. The system includes a portal soliciting electronic transactions, an encoder in communication with the portal, a processor in communication with the encoder and a processing network, and a report module in communication with the processor. The encoder accepts electronic transaction data from the portal, forms a code based on the electronic transaction data, and appends the code to the electronic transaction data to provide encoded electronic transaction data. The processing network authorizes the encoded electronic transaction data to provide authorized encoded electronic transaction data, and the processor receives the authorized encoded electronic transaction data. The report module forms a report based on authorized encoded electronic transaction data.

Abstract: Methods of, and systems for, multi-lingual two-sided printing are provided. According to one embodiment, a method of multi-lingual two-sided printing is provided, the method comprising: initiating a transaction; identifying a first language for printing on a first side of two-sided media and a second language for printing on a second side of the two-sided media based on one or more aspects of the transaction; printing information on the first side of the two-sided media in the first language; and printing information on the second side of the two-sided media in the second language, wherein the first language is different from the second language. Variations including the printing of transaction information on a first side of two-side media and additional information on a second side of the two-sided media when an identified first language is not different from an identified second language are also disclosed.

Abstract: A method includes obtaining data from a portable electronic device in which the data regards information obtained using the portable electronic regarding the transaction, and information obtained using the portable electronic regarding at least one of a physical location of the portable electronic device when obtaining the information regarding the transaction and the time of the day when obtaining the information regarding the transaction, and processing the transaction based on the data regarding the information regarding the transaction and the at least one of the information regarding the physical location of the portable electronic device when obtaining the information regarding the transaction and the time of the day when obtaining the information regarding the transaction. The method may be employed in a point-of-sale transaction for the purchase of products at checkout.

Abstract: The invention relates to a method for representing a transfer of currency during a transaction. The method involves establishing a network connection with a computing device, receiving, from the computing device, transactional data associated with the transaction, receiving currency data associated with a financial account, and displaying a pictorial representation of currency based on the currency data, where a currency type and a currency denomination are depicted as a portion of the pictorial representation. The invention further involves designating an amount of currency from the pictorial representation to obtain image data, where the amount of currency is sufficient to complete the transaction, transmitting the image data to the computing device as part of the transaction, and sending instructions to transfer the amount of currency from the financial account based on the image data and the transactional data.

Abstract: A method and system for the clearing and settlement of funds among a plurality of participants facilitates the integration of a “closed” special purpose industry sector, such as the transit industry, within an open financial payment system. A method for clearing and settling funds among a plurality of participants comprises receiving data relating to transactions from the plurality of participants, organizing the data into groups associated with each of the plurality of participants, summing the data in the groups to determine a total funds due to and from each of the plurality of participants, and settling the difference among the plurality of participants by transferring funds to the participants owed funds and collecting funds from the participants who owe funds.